Ameris Bancorp (ABCB) AI Stock Analysis

Ameris Bancorp, established in 1971 and headquartered in Atlanta, Georgia, functions as a bank holding company overseeing Ameris Bank. Operating across Georgia, Alabama, Florida, North Carolina, and South Carolina, the company provides financial services to retail and commercial customers. It operates through five key segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. These divisions offer banking products including commercial and retail banking, mortgage lending, and various loans such as commercial real estate, residential mortgages, agricultural loans, and consumer loans through domestic banking and loan production offices.

Between FY2021 and FY2025, Ameris Bancorp achieved a 5-year revenue CAGR of 7.7%. Total revenue increased from $1.04B in FY2021 to $1.67B in FY2025, though annual revenue growth slowed to 2.0% in FY2025. Net income expanded to $412.2M in FY2025, producing diluted EPS of $5.99 and a net margin of 24.7%. Over the trailing twelve months, revenue was $1.18B with an operating margin of 50.2% and EPS of $5.53. In the latest quarter ended June 30, 2026, quarterly revenue grew 3.6% year-over-year, while quarterly earnings declined 51.9%.

As of June 30, 2026, Ameris Bancorp held $237.4M in cash and short-term investments compared to $1.39B in total debt, resulting in net debt of $1.15B. Total assets stood at $28.49B against shareholders' equity of $4.09B, resulting in a debt-to-equity ratio of 0.34 and a current ratio of 0.19. During FY2025, the company generated $390.2M in operating cash flow and $369.6M in free cash flow. Cash outflows for FY2025 included $20.5M for capital expenditures, $55.3M in dividends paid, and $82.9M dedicated to share buybacks.

Ameris Bancorp trades at a trailing P/E of 14.4x and a forward P/E of 13.0x, above the median of its US-listed Financial Services peers of 12.1x and 10.8x. Its price-to-sales multiple of 4.5x also trades higher than the peer median of 3.2x, alongside a price-to-book ratio of 1.3x and a PEG of 1.10. Over the past year, ABCB generated a return of 16.0%, close to the S&P 500 return of 16.8%. Over a 5-year period, the stock returned 63.6%, trailing the S&P 500 return of 83.0%.

Ameris Bancorp pays a quarterly dividend with an annualized forward payout of $0.80 per share, resulting in a dividend yield of 1.00%. The dividend is supported by a payout ratio of 12.6%. The company has paid consecutive dividends for 13 years and generated a 5-year annualized dividend growth rate of 5.9%. Its last ex-dividend date was September 30, 2026.

Ameris Bancorp is followed by analysts who have issued 2 StrongBuy, 1 Buy, 4 Hold, 0 Sell, and 0 StrongSell ratings. The mean price target is $93.17, representing a 16.9% upside from the October 16, 2026 closing price of $79.72. For the fiscal year ending December 31, 2026, consensus estimates forecast EPS of $6.63 on revenue of $1.29B. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 22, 2026.

This page is an AI-written research summary of Ameris Bancorp (ABCB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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